Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Alan Landry

Our First Experience With Embrace!

Recently, our rescue puppy, JR, now 9 years old, required surgery for an ear hematoma. We have had Embrace Insurance since we brought him home but until now, had never used it, so I was a little apprehensive about filing a claim. I have to say that it was one of the easiest, most transparent processes I have ever been through with any insurance company. I uploaded the invoice from the vet, answered a few short questions, and the submission was done. The time was 3:18 pm EST. At 3:34 pm EST I received an email acknowledging the submission and giving us the good news that the claim was complete and that the surgery was covered by our policy! Embrace kept me informed every step of the way, the submission process was simple and clear, and the resolution was lightning fast! I am still shaking my head in disbelief at how easy this was, and thankful that I kept this coverage from the beginning. This is a great company that I highly recommend! Well done, Embrace!!! And THANK YOU!!!
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5

out of 5

POSTED: | BY: Julie Wensel

Embrace is great!

Embrace is a great company to insure your pets; we have worked with them for at least 10 years. Submitting claims is easy, they cover a great amount, and I have never had issues with them. It's nice to have the trust that our pets can get the care they need, and we can afford it because of Embrace.
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5

out of 5

POSTED: | BY: Sonia

Website is easy to work with

Website is easy to work with. Customer service and reimbursements are quick. Just hoping they can keep their rates the same as my contract is going to expire soon.
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5

out of 5

POSTED: | BY: Pete Ginocchio

Easy claims submission and fast…

Easy claims submission and fast payment. Website is easy to navigate and this insurance is priced right!!
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5

out of 5

POSTED: | BY: Nancy Miller-Snoblen

just followed directions they were…

just followed directions they were plain and clear
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
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